Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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Quick and Easy submission
It was so easy to submit the vet's invoice and a very quick payment as well.
Insurer: MetLife
By: Lantieka
I sent in a claim
I sent in claim. I was notified of missing info in atimely manner. I responded and now I am waiting for my approved coverage. My only improvement i can see would be a chat line to be able to ask specific questions. Like for example "is a Rabies shot covered under my plan."
Insurer: Fetch
By: Dawn Miller
Waiting Periods Left Us With No Coverage When We Needed It Most
We originally took our 7-week-old puppy to the vet for shaking eyes and instability. The night before, my young daughter had accidentally dropped him about 18 inches while taking him outside to go potty. Our initial assumption was a concussion, and the veterinarian agreed at that first visit. I submitted the invoice to Trupanion and was told they were waiting on the doctor’s notes. A week later, we returned to the vet because our puppy had developed a head tilt. The vet believed this was related to a vestibular injury and prescribed prednisone. On our next visit (1/19/26), the vet noticed our puppy’s belly was swollen, which we initially assumed was a side effect of the prednisone. Unfortunately, the vet immediately recognized this as liver failure caused by a congenital portosystemic shunt. Our puppy’s abdomen had filled with nearly three pounds of fluid. The vet explained that we could pursue a specialist, but anesthesia would be extremely risky, and there was no guarantee of a good quality of life. We were faced with the heartbreaking decision to put our 10-week-old puppy down. We filed a claim with Trupanion, and within hours they denied coverage, stating that illnesses are not covered within the first 30–31 days of the policy. What makes this especially frustrating is that the first three visits were believed by both us and the veterinarian to be accident-related, not illness. Each visit simply showed a progression of symptoms that ultimately revealed a congenital condition. Despite this, all claims were denied. After our puppy had passed, one Trupanion representative finally informed us that we could have taken our puppy for an initial exam that Trupanion approves. Had the vet determined he was healthy at that time, the 30-day illness waiting period might have been waived. This would have been incredibly important information to know before purchasing the policy and paying over $1,200 in vet bills with no assistance. I am writing this with a heavy heart and a great deal of pain. While I understand insurance policies have rules, the lack of clarity around waiting periods and how claims are categorized felt misleading and deeply disappointing during an already devastating experience. I strongly encourage anyone considering pet insurance to do thorough research and ask far more questions than I did—especially about waiting periods for accidents versus illnesses in puppies. At this time, I would not recommend Trupanion to new puppy owners due to how their 5-day and 30-day waiting periods are applied. I trusted the recommendation from my State Farm agent, but this experience has reinforced how difficult insurance—both human and animal—has become in the U.S. healthcare system.
Insurer: Trupanion
By: Teddy Smith
Agent Rosie was so helpful and kind…
Agent Rosie was so helpful and kind throughout the entire process! It felt very easy to discuss my pet's needs and current health history with her. Rosie's explanation of the coverage and offers was very clear and helped me understand something that I have never done before. I was nervous to call at first, thinking it would be a hard process, but that nervousness went away as it was very simple, and I felt cared for and acknowledged that I made a good decision, so I know my pet is in good hands!
Insurer: Nationwide
By: Kylie
They get one star as that’s as los as…
They get one star as that’s as los as the scale goes. File a claim for my dog for an ear infection. Nothing happened “waiting for complete medical records. If he had another at infection it could be some remote disease they wouldn’t cover”. A diagnosis from a licensed veterinarian who need that we have an intake clown with a computer that will diagnose without ever seeing the dog. Don’t waste your money some clown with a computer will decide coverage not an actual diagnosis from a real veterinary doctor. They make United healthcare care see caring. Their reply contradicts what their employees tell you. They decide not a vetinarian . Their reply is standard corporate crap they want you to believe. They claim to treat you like family. They just don’t tell you it is a toxic disfunctional family.
Insurer: Embrace
By: Ratzbunja
MetLife is the best
MetLife is the best! They pay claims quickly, have great customer service, and the web interface is very user-friendly.
Insurer: MetLife
By: Clint Howard
Best pet insurance
Best pet insurance. Easy processing. Quick turnaround on claims.
Insurer: Spot
By: Suzanne Davis
Best for Hassle-Free Claims
I’ve had my poodle for 7 years now and I used to be a Trupanion customer. After switching to Figo I can say that the service and claims process is much much better than its competitors. Because of Figo I don’t have to constantly worry whether a veterinary emergency or procedure will set me back financially. Figo is a top quality insurer and I recommend them to anyone who needs to cover vet bills. They can be a bit on the pricier side but you definitely get what you pay for. Key Features: - Full cloud support to store policy documents and anything you’d like to add - Dedicated email address - Easy claims process that can be completed with just a few clicks - Social profiles to connect with other pet owners and post pet photos and microchip info - Claims process you can track from start to finish - Partnered with Costco
Insurer: Figo
By: Alvaro
So very easy to submit for a claim with…
So very easy to submit for a claim with a speedy reimbursement.
Insurer: MetLife
By: Dennis Clarke
They paid 5% of an emergency claim…
They paid 5% of an emergency claim where the policy says 70%. We wasted our money on this policy and were deceived by what they said they would cover. Despite trying to appeal, we were told the claim was closed and recourse was not available. Terrible customer service and claims experience.
Insurer: Figo
By: Joey Herr